Loan-Application-List

Southern California Loan Application Checklist for Consumers

General:

  • Picture ID and Social Security Number

  • Payment to cover application fee.

  • Name and complete address of all landlords (past 2 years).

bring copies of the following documents to your Lender:

  • Employment history, including names, addresses, phone numbers, and length of time with that company (past 2 years).

  • Copies of your most recent pay stubs and W-2 form (past 2 years).

  • Verification of other income (social security, child support, retirement).

  • If you are self-employed: Copies of signed tax returns including all schedules (past 2 years), and a signed profit and loss statement of the current year.

  • If you are retired: Tax returns (past 2 years).

  • If you have rental property income: Copies of all lease agreements.

Assets:

  • Copies of all bank statements from checking/savings accounts (past 3 months).

  • Copies of all stock/bond certificates and/or past statements/retirement accounts.

Creditors: who do you owe bills too?

  • Credit cards (account numbers, current balances, and monthly payments).

  • Installment loans (car, student, etc.) Same details as for credit cards.

  • Mortgage loans (property address, lender with address, account numbers monthly payment and balance owed on all properties presently owned or sold within the last 2 years).

  • Childcare expense/support (name, address, phone number).

Other Documents:

  • Bankruptcy bring discharge and schedule of creditors

  • Adverse or bad credit issues bring letters of explanation.

  • Divorce bring your Divorce Decrees, property settlements, quitclaim deeds, modifications, etc.

  • VA only bring Form DD214 and Certificate of Eligibility.

  • Retirees bring retirement and/or Social Security Award Letter

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